don’t trust parking lot karma... it’s never on your side.
Ain’t that the truth. I swear, my car must have a “hit me” sign taped to the bumper some days. I used to roll my eyes at all those extra coverage options—figured I was just paying for someone else’s bad luck. Then, bam, some ghost driver sideswipes me in a grocery store lot and vanishes like Houdini. No note, no witnesses, just a nice dent and a sinking feeling.
Uninsured motorist coverage felt like a scam until that day. Now? I treat it like my morning coffee—non-negotiable. Sure, it stings to pay more every month, but getting stuck with a fat repair bill because someone else bailed? Nah, hard pass.
I get wanting to save cash, but honestly, “parking lot karma” is about as reliable as my New Year’s resolutions. If you’re on the fence, just picture yourself explaining to your bank account why you gambled on humanity doing the right thing. Spoiler: it’s not a fun conversation.
You nailed it—parking lot karma is a myth, and I’ve seen way too many people learn that the hard way. The whole “it won’t happen to me” mindset is super common until, well, it does. Uninsured motorist coverage feels like overkill until you’re staring at a mystery dent and a disappearing act worthy of Vegas.
Just to add, even if you’re the world’s safest driver, you can’t control what happens once you leave your car in a busy lot. I’ve processed claims where folks did everything right—parked far out, took photos, even left notes for others—and still ended up with damage and zero accountability from the other side. It’s frustrating.
Paying extra for coverage stings, but the alternative can sting way worse. I get why people hesitate—it’s money out of your pocket every month for something invisible... until it isn’t. But honestly, that peace of mind when you realize you’re covered? That’s worth a lot more than most realize.
- Totally agree, the “it won’t happen to me” mindset is everywhere. I used to think parking way out in the lot would save me, but nope—still got a nice scrape down the side once, and of course, no note.
- Uninsured motorist coverage seemed like a waste at first, but after that incident? Changed my mind fast. The hassle of tracking down security footage, filing police reports… it’s just not worth the stress.
- Something people forget: even if you catch the other driver, they might not have enough insurance (or any at all). That’s where this coverage really steps up.
- Yeah, the extra monthly cost is annoying. But compared to paying out-of-pocket for repairs or dealing with legal headaches, it’s a no-brainer for me.
- One thing I’d add: check your deductible. Some policies make you pay a ton before coverage kicks in. Worth looking at the fine print before assuming you’re totally protected.
- At the end of the day, you can do everything right and still get burned. Having that backup just makes sense, especially if you’re in and out of parking lots all week like I am.
I used to roll my eyes at the idea of paying extra for something I might never use, but after my neighbor’s car got sideswiped and the other driver just vanished, I started rethinking things. Still hate paying more every month, but it beats shelling out thousands all at once. Funny how fast your perspective changes when it happens close to home...
It’s funny, I used to be in the same camp—why pay for something I might never need? But after my wife’s car got hit in a parking lot and there was zero trace of the other driver, I was glad we’d added uninsured motorist coverage a year before. It stings to pay that extra bit each month, but honestly, the relief of not stressing about a massive repair bill made it worth it for us. Guess it’s one of those things you only appreciate after the fact...
